Lower Your 2014 Dodge SRT Viper Car Insurance Rates

Shoppers have many options when shopping for the lowest priced Dodge SRT Viper insurance. You can either waste hours driving around trying to get quotes or utilize the internet to find the lowest rates. There are more efficient ways to compare insurance rates and we’ll show you the absolute fastest way to price shop coverage for your Dodge and obtain the cheapest rates from both online companies and local agents.

You need to compare prices before your policy renews due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you had the best price on SRT Viper coverage two years ago other companies may now be cheaper. Starting now, ignore everything you know about insurance because I’m going to teach you the fastest way to remove unneeded coverages and save money.

The fastest way that we advise to compare insurance rates in your area utilizes the fact most of the bigger providers will pay a fee to give free rates quotes. All you need to do is give them rating details including whether you are married, if it has an alarm system, whether or not you need a SR-22, and the make and model of your vehicles. The rating information is then submitted to all major companies and they return rate quotes immediately.

Verify you’re getting all your discounts

Car insurance companies don’t always list every available discount very clearly, so here is a list some of the best known and the more hidden auto insurance savings. If you’re not getting every credit available, you are throwing money away.

  • Multiple Policy Discount – If you have multiple policies with the same company you may save approximately 10% to 15%.
  • Auto/Life Discount – Some companies give a discount if you purchase life insurance from them.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for better auto insurance rates on SRT Viper coverage.
  • Payment Method – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Sign Online – Some insurance companies may give you up to $50 just for signing your application online.
  • Military Discounts – Having a family member in the military can result in better rates.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way.

A partial list of companies who might offer these discounts include:

Before buying, ask all companies you are considering which discounts you may be entitled to. Savings may not be available everywhere.

When should I talk to an agent?

When buying adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions can aid in determining whether you will benefit from professional help.

  • What are the financial responsibility laws in my state?
  • Am I covered if I hit a deer?
  • Do I need medical payments coverage since I have good health insurance?
  • What is an SR-22 filing?
  • How can I get high-risk coverage after a DUI?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I afford to buy a different vehicle if my 2014 Dodge SRT Viper is totaled?
  • Do I need higher collision deductibles?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Detailed coverages of your auto insurance policy

Understanding the coverages of auto insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Liability coverages

This coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like legal defense fees, court costs, bail bonds and medical expenses. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2014 Dodge SRT Viper.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, damage from a tornado or hurricane, fire damage, a tree branch falling on your vehicle and a broken windshield. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

Collision insurance pays for damage to your SRT Viper resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, rolling your car, driving through your garage door and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as doctor visits, pain medications, dental work, EMT expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay